The right health insurance for cross-border commuters

Cross-border commuters

If you live in Europe, Iceland or Norway but work or study in Switzerland, special conditions apply to your health insurance cover. Whether you can benefit from our outstanding healthcare system depends primarily on your country of residence and your place of work or study.

Cross-border commuters are people who work in Switzerland and live in an EU country, Iceland or Norway. As a rule, cross-border commuters have to take out basic insurance in the country in which they work. If you work in Switzerland, family members who are not in employment and who live in the same household have to be insured with the same Swiss health insurer.

Basic insurance models for every need

With our wide range of basic insurance plans, we’re sure to find a solution to meet your needs.


  • Do you prefer to see your family doctor when you need medical advice?
  • Or do you want to choose which doctor you see depending on the situation?


We offer models ranging from a standard model with free choice of doctor through to alternative insurance models with a family doctor or telemedicine option.  

Basic insurance models

Cross-border commuters from neighbouring countries

If you live inGermany, Austria, France or Italy and work in Switzerland, you can choose: Youcan keep your insurance in your country of residence. However, to do so youhave to get an exemption from the compulsory insurance requirement inSwitzerland. Please contact the responsible authority in the canton in whichyou work.

We’ll be glad to advise you

Our customer advisors are familiar with the requirements of cross-border commuters. Give us a call to arrange a non-binding consultation:

Outside Germany, Austria, France, Italy, the USA, Switzerland and the Principality of Liechtenstein, please call the following number:

+41 44 298 64 90


Depending on the country you live in, you have to take out mandatory basic insurance either in Switzerland or your country of origin.

Does this apply to you? Give us a call for more information:

Advice hotline
0800 22 88 44 22

Monday to Friday
9 am to 6 pm

Sanitas magazine: Spotlight on health-related issues